QRA

Quick Reference

WhatPagamentos QRA (Argentina)

WhyPagamentos instantâneos por QR na Argentina — interoperáveis entre todos os bancos e fintechs

Reading Time10 min

DifficultyBeginner

PrerequisitesAutenticação → Ambiente

Contexto do mercado argentino

Transferencias 3.0 (regulada pelo BCRA) entrega pagamentos por QR interoperáveis entre bancos e fintechs. Um único QR funciona com qualquer app participante.

Por que QRA

Vantagem	Detalhe
Interoperável	Qualquer app bancária ou de carteira argentina pode escanear e pagar
Liquidação instantânea	Transferência em tempo real via compensação do BCRA
Sem chargeback	Pagamento push — irrevogável após confirmação
Amplo alcance	Mais de 90% dos adultos com acesso bancário ou a carteira

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Fluxo de pagamento

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Passo a passo

1. Criar cobrança — POST com type_charge: "qra" e currency: "ARS".
2. Renderizar o QR — Use qra_payload.qr_code (PNG em Base64).
3. Pagador escaneia — Qualquer app compatível conclui a transferência.
4. Webhook — Escute paid, canceled ou erros terminais.

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Criar uma cobrança QRA

cURL

curl -X POST https://core-manager.a55.tech/api/v1/bank/wallet/charge/ \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "wallet_uuid": "00000000-0000-0000-0000-000000000000",
    "merchant_id": "11111111-1111-1111-1111-111111111111",
    "payer_name": "María García",
    "payer_email": "maria.garcia@example.com",
    "payer_tax_id": "27123456789",
    "payer_cell_phone": "+5491155551234",
    "installment_value": 5000,
    "installment_count": 1,
    "items": [{"name":"Zapatillas","quantity":1,"total_amount":5000,"unit_amount":5000,"sku":"ZAP-001","code":"Z001"}],
    "payer_address": {"street":"Corrientes","address_number":"1200","complement":"","neighborhood":"Centro","city":"CABA","state":"C","postal_code":"C1043","country":"AR"},
    "currency": "ARS",
    "due_date": "2026-12-31T23:59:59Z",
    "description": "Compra via QRA",
    "type_charge": "qra",
    "webhook_url": "https://yoursite.com/webhook",
    "redirect_url": "https://yoursite.com/"
  }'

Python

import requests

charge = requests.post(
    "https://core-manager.a55.tech/api/v1/bank/wallet/charge/",
    headers={"Authorization": f"Bearer {access_token}", "Content-Type": "application/json"},
    json={
        "wallet_uuid": "00000000-0000-0000-0000-000000000000",
        "merchant_id": "11111111-1111-1111-1111-111111111111",
        "payer_name": "María García",
        "payer_email": "maria.garcia@example.com",
        "payer_tax_id": "27123456789",
        "payer_cell_phone": "+5491155551234",
        "installment_value": 5000,
        "installment_count": 1,
        "items": [{"name": "Zapatillas", "quantity": 1, "total_amount": 5000, "unit_amount": 5000, "sku": "ZAP-001", "code": "Z001"}],
        "payer_address": {"street": "Corrientes", "address_number": "1200", "complement": "", "neighborhood": "Centro", "city": "CABA", "state": "C", "postal_code": "C1043", "country": "AR"},
        "currency": "ARS",
        "due_date": "2026-12-31T23:59:59Z",
        "description": "Compra via QRA",
        "type_charge": "qra",
        "webhook_url": "https://yoursite.com/webhook",
        "redirect_url": "https://yoursite.com/",
    },
)
qr_image = charge.json()["qra_payload"]["qr_code"]

JavaScript

const response = await fetch(
  "https://core-manager.a55.tech/api/v1/bank/wallet/charge/",
  {
    method: "POST",
    headers: {
      Authorization: `Bearer ${accessToken}`,
      "Content-Type": "application/json",
    },
    body: JSON.stringify({
      wallet_uuid: "00000000-0000-0000-0000-000000000000",
      merchant_id: "11111111-1111-1111-1111-111111111111",
      payer_name: "María García",
      payer_email: "maria.garcia@example.com",
      payer_tax_id: "27123456789",
      payer_cell_phone: "+5491155551234",
      installment_value: 5000,
      installment_count: 1,
      items: [{ name: "Zapatillas", quantity: 1, total_amount: 5000, unit_amount: 5000, sku: "ZAP-001", code: "Z001" }],
      payer_address: { street: "Corrientes", address_number: "1200", complement: "", neighborhood: "Centro", city: "CABA", state: "C", postal_code: "C1043", country: "AR" },
      currency: "ARS",
      due_date: "2026-12-31T23:59:59Z",
      description: "Compra via QRA",
      type_charge: "qra",
      webhook_url: "https://yoursite.com/webhook",
      redirect_url: "https://yoursite.com/",
    }),
  }
);
const { qra_payload } = await response.json();

Encoding UTF-8

Codifique qra_payload para geração do QR em UTF-8 e sem transformações — bytes alterados quebram a leitura.

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Exemplo de resposta

{
  "charge_uuid": "81f0045c-301a-45c4-96bc-5395f7cf35f9",
  "local_currency": 5000,
  "currency": "ARS",
  "type": "qra",
  "status": "issued",
  "qra_payload": {
    "qr_code": "data:image/png;base64,iVBORw0KGgoAAAANSUh…",
    "expiration_date": "2026-01-15 18:30:00.000000"
  }
}

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Ciclo de vida do status

Status	Descrição
issued	QR emitido; aguardando pagamento
paid	Confirmado pela rede de compensação
canceled	Expirou ou foi anulado
refunded	Estorno processado quando elegível

PFC →Boletos em dinheiro Pago FácilPIX →Pagamentos instantâneos por QR no BrasilCriar cobrança →Referência do endpoint